Miami, FL September 25, 2018 -- Not everyone stands to benefit from long-term care insurance, but everyone should be aware of the facts about it, according to The Motley Fool, the financial advice magazine. "I applaud them for highlighting this important point," says George Braddock, FL-based agent with ACSIA Partners LLC.

The article, written by Selena Maranjian, offers these statistics:

The percentage of Americans over 65 who will need LTC insurance, according to longtermcare.gov.

The number of years care may be needed, according to an AARP report.

The percentage who will spend $250,000 or more on care, according to a report from the National Association of Insurance Commissioners (NAIC).

Additional information, beyond the article, is available from Braddock's organization.

"We are specialists who help people nail down whether LTC insurance makes sense in their particular case," says Braddock. "If it does make sense, we advise them on their policy options and set them up with a top-rated carrier."

And if it doesn't make sense? "No problem," says Braddock. "Then we guide them to alternative means of protection." These include:

"Hybrid" policies (typically life insurance with LTC riders),

Worksite LTC (voluntary plans with group advantages),

Annuities with tax-advantaged LTC features,

Critical illness insurance,

And additional protections including LTC education and referrals to care services.